Car Insurance in Kentucky
Figures updated
What Kentucky drivers pay, the legal minimum and who has the lowest price.
- For full coverage, the average monthly price is $111.
- Minimum liability limits are 25/50/25.
- [li] It ranks 36th among 51 states for expense (1st = highest).
Cost of car insurance in Kentucky
Kentucky drivers with full coverage pay an average of $1,337 each year, or about $111 monthly. Policies with only the legal minimum cost an average of $673 a year. Compared with the US average of $1,613 each year, that cost is 17% lower.
| Coverage in Kentucky | Per year | Per month |
|---|---|---|
| Liability | $673 | $56 |
| Collision | $401 | $33 |
| Comprehensive | $263 | $22 |
| Full coverage (all three) | $1,337 | $111 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Legal minimum coverage in Kentucky
At least 25/50/25 in liability coverage is required by Kentucky. Each injured person is covered up to $25,000. All people hurt in one crash are covered up to $50,000. Damage to other people's property is limited to $25,000.
Kentucky uses a no-fault system. After a crash, your own policy pays your medical bills, no matter who caused it.
You aren't required to carry uninsured motorist cover, although insurers must offer it in most states.
Source: Kentucky Transportation Cabinet (Drive.ky.gov), Mandatory Insurance.
The cheapest insurers listed in Kentucky's rate guide
Example 3: the driver is a single male, 23 years old. He drives a Toyota Camry LE, 4 door, 2.5L model from 2014. His driving record includes 7 years of experience. His daily commute is 20 miles one way to work, and his annual mileage is 15,000. He has had no accidents or violations. The prices shown are yearly premiums taken from the state's own comparison guide.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Dairyland Insurance Company | $788 | $66 |
| 2 | Erie Insurance | $996 | $83 |
| 3 | State Farm | $1,223 | $102 |
| 4 | USAA | $1,253 | $104 |
| 5 | 1st Choice Advantage Insurance Company, Inc. | $1,317 | $110 |
How many drivers in Kentucky lack insurance?
In 2023, about 14% of Kentucky drivers had no car insurance. This was the 20th highest share among the 51. If an uninsured motorist hits you, uninsured motorist coverage pays your bills.
Additional Kentucky car insurance information
It was first written